NOTE 7: DEPOSITS

The following table sets forth the weighted average interest rates for each type of deposit at December 31, 2016 and 2015:


	December 31,
	2016								2015
(dollars in thousands)	Amount		Percent of Total			Weighted Average Interest Rate			Amount		Percent of Total			Weighted Average Interest Rate ⁽¹⁾
NOW and money market accounts	$	13,395,080		46.37	%		0.55	%	$	13,069,019		45.97	%		0.22	%
Savings accounts		5,280,374		18.28			0.46			7,541,566		26.53			0.63
Certificates of deposit		7,577,170		26.23			1.12			5,312,487		18.69			0.68
Non-interest-bearing accounts		2,635,279		9.12			—			2,503,686		8.81			—

Total deposits	$	28,887,903		100.00	%		0.63	%	$	28,426,758		100.00	%		0.39	%

At December 31, 2016 and 2015, the aggregate amounts of deposits that had been reclassified as loan balances (i.e., overdrafts) were $3.1 million and $3.5 million, respectively.

The scheduled maturities of certificates of deposit (“CDs”) at December 31, 2016 were as follows:


(in thousands)
1 year or less	$	6,876,629
More than 1 year through 2 years		561,031
More than 2 years through 3 years		40,908
More than 3 years through 4 years		25,039
More than 4 years through 5 years		54,544
Over 5 years		19,019

Total CDs	$	7,577,170

The following table presents a summary of CDs in amounts of $100,000 or more by remaining term to maturity, at December 31, 2016:


	CDs of $100,000 or More Maturing Within
(in thousands)	0 – 3 Months		Over 3 to 6 Months		Over 6 to 12 Months		Over 12 Months		Total
Total	$	1,101,054	$	718,082	$	2,090,315	$	367,310	$	4,276,761

Included in total deposits at December 31, 2016 and 2015 were brokered deposits of $3.9 billion and $4.0 billion, with weighted average interest rates of 0.62% and 0.32% at the respective year-ends. Brokered money market accounts represented $2.5 billion of the December 31, 2016 and 2015 totals, and brokered interest-bearing checking accounts represented $1.4 billion and $1.5 billion, respectively. There were no brokered CDs at either year-end.